406 Hackberry St, Bandera, TX 78003 Property Records

Bandera County property record for 406 Hackberry St, Bandera, TX 78003

Property Summary

Property Type	Single Family Home
Details	676 sqft · built 1938
Lot Size	0.251 acres (10,934 sqft)
Owner	2 Individual Names on File
Last Sale	$238,801 (Jul 2022)
Tax Bill	$3,939 (2025)
Deeds & Mortgages	Jun 2022 Second Mortgage May 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10400-00004-0140`

Property Details

APN / Parcel Number

Primary APN	`10400-00004-0140`
Alternative APN	`150255`

Interior

Stories	1 Story
Building Area	676 sqft Living Area
1st Floor Area	676 sqft
Utility Area	30 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	10,934 sqft (0.251 acres)
Lot Depth	167 ft Depth
Garage Type	Carport
Garage Area	300 sqft
Carport	Carport
Carport Area	300 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	286 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C

Location & Zoning

Account Number	10400-00004-0140
Street Address	406 HACKBERRY ST
City	BANDERA
State	TX
Zip	78003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BANDERA RNG 4 LT 14 PT NE 0.251 ACRES
Legal Subdivision	BANDERA CITY
Legal Lot Number	14
Jurisdiction	BANDERA TX
Township / Civil Division	BANDERA
Census Block Group	2
Census Block	2103
Census Tract	101

Owner

406 Hackberry St is owned and occupied by two individuals who bought it in July 2022.

Source: Bandera County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	406 HACKBERRY ST, BANDERA, TX 78003
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage JOHN BOVLE JR
May 6, 2024	Vendor's Lien, Transfer · Conventional Mortgage NEXBANK SSB
Jul 27, 2022	Vendor's Lien, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2022 · Amount on File
Deed Sale	Jul 27, 2022 · Amount on File
Prior Sale	Sep 18, 2007 · Amount on File
Deed Document Number	2022253874
Deed Book / Page	1282 / 14
Prior Transfer Date	Sep 12, 2007
Prior Transfer Doc	796/417
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BANDERA TX
Property Address	406 HACKBERRY ST, BANDERA, TX 78003
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001278/486
Date	Jun 29, 2022
Book Page	1278/486
Instrument	253309

Lender

Name	JOHN BOVLE JR
Type	Private Party
Address	PO BOX 249, BANDERA, TX 78003

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

May 2024: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BANDERA TX
Recording Date	May 6, 2024
Property Address	406 HACKBERRY ST, BANDERA, TX 78003
Document Number	001342/860
Book / Page	1342 / 860
Map Reference	VOL 1 PG 81
Instrument Date	Apr 30, 2024
Instrument	264210
Transaction Type	Transfer
Record Updated	Nov 3, 2025
Title Company	INDEPENDENCE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 HACKBERRY ST, BANDERA, TX 78003

Mortgage

Document Number	0000264211
Date	May 6, 2024
Instrument	264211

Lender

Name	NEXBANK SSB
Type	Bank
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2054

July 2022: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	BANDERA TX
Recording Date	Jul 27, 2022
Property Address	406 HACKBERRY ST, BANDERA, TX 78003
Document Number	0001282/14
Book / Page	1282 / 14
Map Reference	VOL 1 PG 81
Instrument Date	Jul 26, 2022
Instrument	253874
Transaction Type	Transfer
Record Updated	Sep 23, 2022
Title Company	WESTERN TITLE/BANDERA INC, WESTERN TITLE OF BANDERA INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 HACKBERRY ST, BANDERA, TX 78003

Mortgage

Document Number	0000253875
Date	Jul 27, 2022
Instrument	253875

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 406 Hackberry St was $3,939, up 79.5% from the year before.

Source: Bandera County assessment roll, as of October 30, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Bandera County
Municipality	Bandera City
Unified School District	Bandera Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,939.00 (+79.45%)	$204,400 Land $67,020 Building $137,380	$204,400 Land $67,020 Building $137,380
2024	$2,195.00 (+32.71%)
2023	$1,654.00	$96,380 Land $49,100 Building $47,280	$96,380 Land $49,100 Building $47,280

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 406 Hackberry St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 1, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 39 policies
Nearby Flood Policies	39 in force
Nearby Flood Claims	47 (1978–2018)
Claims Outside the SFHA	16 of 47
Most Recent Claim	Sep 2018 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jul 2002 · 38 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 406 Hackberry St is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 88% of Texas
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF BANDERA serves 3,231 people · EPA ID TX0100012
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	14 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 160 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BEC Fiber Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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